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It’s nice to know that wherever you go, you have a safe and secure way to pay. Apply for your Montana Credit Union Mastercard®.


Key Features

  • Competitive Rates
  • Anytime Funds
  • No Annual Fees
  • Accepted Worldwide
  • Enjoy the safety and security you expect from Mastercard
  • Accepted at thousands of merchants worldwide
  • Low 11.9% annual percentage rate*
  • No annual fees
  • No cash advance transaction fees
  • Debt protection available
  • Personal service you know and trust from your credit union
  • To activate your credit card and/or change your PIN, call 1-800-631-3197. 

Click the Apply Now button to apply for your card today!

Interest Rate and Interest Charges

Annual percentage rate (APR) for purchases


APR for Balance Transfers


APR for Cash Advances


How to Avoid Paying Interest on Purchases

Your due date is 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of Consumer Financial Protection Bureau.


Transaction Fees - Foreign Transaction Fee

Up to 1.10% of each transaction in U.S. Dollars

Penalty Fees - Late Payment Fee

Up to $25.00

Penalty Fees - Returned Payment Fee

Up to $25.00

How We Will Calculate Your Balance:

We use a method called "average daily balance (including new purchases)." 

Effective Date:

The information about the costs of the card described in this application is accurate as of October 26, 2015. This information may have changed after that date. To find out what may have changed, contact the credit union.

Other Disclosures:

Late Payment Fee - $25 of the amount of the required minimum payment, whichever is less, if you are ten (10) or more days late in making a payment.

Returned Payment Fee - $25 of the amount of the required minimum payment, whichever is less.

Document Copy Fee - $6.00

*For more information, please see the terms and conditions.

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